So short of a pandemic wiping out a chunk of our local population or something else of that magnitude, there is not really much that can change these circumstances driving supply and demand.And without changing the circumstances, the results will be the same.

Choosing to become a local real estate developer means you're not just watching change happen – you're right there in the driver's seat, actively shaping your community's destiny and driving its growth.

The city is rowing so fast it's driving prices up.

Some of them are rockstars and have a drive in their job, those few that I know have provided me their database of open vouchers that need to be fulfilled and they are having a hard time.

If you anticipate a big change in interest rates, what factors do you believe will drive this change?

All of these are within a half-hour's drive or slightly more. 

While we have not yet secured our first property, we have spent the last year+ educating ourselves, networking, driving for dollars, and substantially reducing our debt load.  

I think you're correct that Worksheet 3 kinda clarifies things a bit more, especially with the obvious distinction between "Home" and "Business" gain/loss worksheets at the top and following thru.

I have 6 properties coming up for Roof replacement thru insurance.

If you want the best coverage in case something happens, call an independent agent and tell them you want a policy with Chubb...then be prepared to write a big fat check for that premium.As Dave Ramsey used to say, drive into any major city in the US and look at the names on the largest buildings downtown...usually either an insurance company or a bank, or both.